How Living in Massachusetts Affects Your Medicare Choices | You're a Crazy State!

[@prekteacher7610]

As a Massachusetts resident on Medicare with a supplement, I thank you for this video. As a former NYer, it always makes me laugh when someone here tells me that I am the one with the accent!

[@Theretirementnerds]

Haha! See... and I think you both have accents 😀

[@suemilkbone4868]

How all of you Medicare agents keep all of those state variables straight is beyond me. Truly impressive.

[@TIGThomasInsuranceGroup]

We have an internal data base they we are constantly updating. It’s a moving target and sometimes it’s a challenge getting all the new info.

[@ip4265]

We moved to Boston from the West Coast unaware there is such thing as Boston accent. We were looking for a car wash and asked a guy for directions. He asked, cauuu wash? I thought he said, cow wash, so I said, no, caR wash! 😂 The car wash he directed us to was actually styled as a barn and had cow statues… Like your channel! Hope you and family had a great time in MA!

[@Theretirementnerds]

Haha! That is so funny! 🐮💧

[@andrewroth9175]

Great information! I’m a Massachusetts resident and getting closer to 65 everyday. Couple years to go. After you go through all 50 states, would you rank states in quality of healthcare for retired folks? Best vs the rest? Or best states to retire in when it comes to healthcare. Thank you!!

[@Theretirementnerds]

Thank you so much! Quality of healthcare wouldn't be something I'd be great at reviewing... however... most favorable from a Medicare perspective is definitely something I could take a stab at if that's okay. I just wouldn't know how I could compare all hospital systems, doctors, and costs when most of that isn't public information. But costs for Medicare and freedom to switch around is something I could do. Would that work?

[@HappyOne3]

Baahston. When this trip is over and ready to go home, I believe many would like to know which state you would consider residing in.

[@Theretirementnerds]

I think that’s a great idea! Strictly residing in because of the general feel? Or based on how Medicare works?

[@bradlovoi891]

Massachusetts is a very consumer-friendly state in many respects. Having continuous open enrollment and no medical underwriting make things much easier than in most other states. Yes the costs are higher, but the access and ease in shifting plans is worth it.

[@Theretirementnerds]

It does give peace of mind knowing you haven’t “messed up” with a decision and can easily course correct if life circumstances change.

[@karinhart489]

As a westerner, it’s easier for me to understand a Boston accent than one from NYC.

[@Theretirementnerds]

I don’t know that I’ve been exposed to both enough. It’s interesting hearing one and talking with people because I almost mirror them. I find myself having to consciously stop trying to mimic how they will say some words.

[@Shabana-hv9ic]

As a mass resident with aging parents, I can say Massachusetts is one of the best states for top notch healthcare. The state also has great programs for low income people.

[@Theretirementnerds]

Thank you for sharing!

[@toxtwinzjl7602]

Western MA city folks say Carrr not cahhh but I have never seen anything so confusing for people as they enter the later years of their life as Medicare. Ridiculous! I already have my eye on a supplement plan for next year when I am Medicare eligible. For a long time I was asking older friends if they had a plan G nd they had no idea what I was talking about - it took me awhile to figure out why.

[@Theretirementnerds]

So many moving parts... right?! Appreciate you watching (to the end) 😊 🚗

[@tomm7505]

I hope you had fun driving in Boston. There is no rhyme or reason to that city's streets. They're like a maze or a bowl of spaghetti -- going every which way and curving and twisting. There is no true grid. It's not an accent but in MA they call the "shoulder" of the road the == "breakdown lane".

[@Theretirementnerds]

That’s interesting about the shoulder! I don’t know how we lived without google maps… it really was like a spaghetti bowl and then one way streets and no turns… would’ve never made it out without maps.

[@tarynsanmartino8930]

I greatly appreciate how you explained the differences with MA and plan options, open enrollment, MOOP, etc. So complex, plans changing, annual review, costs. Ugh

[@Theretirementnerds]

It’s a lot to filter through, isn’t it?

[@joghog]

We say "Coke" to mean ANY soda in the South.

[@Theretirementnerds]

Interesting... I think soda is our word where I live and other places it's pop

[@montesarache5993]

Thank you very much for this Massachusetts specific video! "Boston - where the letter R was dropped from the alphabet. Lived here for decades and the accent is still hard on the ears! :-) Based on what you said the plans in MA are somewhat different then just plain old Plan G or Plan N. With that knowledge and the fact that you can help MA residents will be reaching out to you in early October to discuss. Thank you!

[@Theretirementnerds]

Would be honored to help. [e-mail] is my email and I can connect you with my partners.

[@LaurenBoston59]

Other than being more expensive tban average, it appears MA offers a lot of protections that many other states don't have. Thanks for clarifying the differences! Be sure to pick up some nips at the packie before you leave

[@Theretirementnerds]

It does! The protections come at a cost, but a lot more freedom for folks on Medicare there.

[@movdqa]

We have homes in NH and MA but our primary residence is in NH. MA has absolutely incredible hospitals and you have a lot of senior citizens in Boston and the suburbs of Boston who do use the hospitals there. The place we have is in a city where life expectancy is 92 years. I didn't know that MA Medicare is so complicated. Celtics 2024 NBA world champions.

[@Theretirementnerds]

My son loves the Celtics and was on Cloud 9 when we got to go to the TD garden. I really want to come back to Massachusetts and see more of the state!

[@MountainwithaView]

Great video.... I'm way behind in videos... I'm in western Massachusetts, no accent ❤

[@Theretirementnerds]

Thank you so much for watching 😊 We are past the halfway point on the state videos haha

[@MountainwithaView]

I'm very impressed with your work on this very valuable information. I will catch up..😂

[@eduardooramaeddie4006]

Hello 👋 Boston Massachusetts, thank you for the Medicare information Eddie

[@jimmygup]

All your videos are so helpful. I find it so complicated though. Tell us, in MA how much per month to get everything covered? Ok secret word considering all the activity in the background, pahkthecah.

[@Theretirementnerds]

So glad they are helpful! :) 🚗 When you say get everything covered, do you mean to have all of your plans with premiums? Or if you had a bad year with lots of healthcare issues? This one goes over fixed costs and variable costs, but it's using national averages: kzbin.info/www/bejne/inumdmemgNR-rMU

[@jimmygup]

@@Theretirementnerds I was hoping you could give the scenario where you choose to set up the strongest plan possible where all out of pocket costs are covered leaving only the monthly premiums. In that scenario, could you describe the set up and what the monthly/annual fixed cost would be. There’d be no other out of pocket charges. Is there such a scenario? Thx.

[@ScottinValbom]

I hope you were not driving through all 50 states. In this video, you're in Bahston, but in the next, you are way the...way over to Niagara. That would be a LOOOOOONNNNNG drive. And, assuming you zip through NY on the Thruway, not all that scenic. Your videos are so packed with essential info that they need to be viewed multiple times. But it's all here. And yes, I wouldn't think of NOT speaking with a qualified agent. Thank you.

[@Theretirementnerds]

Drove the whole way! Here's an idea of our 3-ish days in the North East: Day1: Roanoke, VA Washington, D.C. Bowie, MD Wilmington, DE Day 2: Start in Delaware Philadelphia, PA Princeton, NJ Pass through NYC New Haven, CT Weekapaug, RI Boston, MA Day 3: Start in Boston, MA Ogunquit, ME Concord, NH Brattleboro, VT Albany, NY It was a whirlwind.

[@johnfeole1971]

Thanks, exactly the info i have been seeking..

[@Theretirementnerds]

So glad it was helpful!

[@loisg.6240]

Let’s take the caaaaar and drive ova to the paaawwwwndd. 😊 ( pond - sounds like pawn-d)

[@Theretirementnerds]

Haha! I love it because I can hear it when reading. Appreciate you!

[@susanmoberg8204]

Great information! Thank you. Hope you made it to Fenway⚾️

[@Theretirementnerds]

Didn't get to this time :( but we want to return and see more! Thank you for watching!

[@myboyjasper]

JP-Rozzie (Boston neighborhoods) here - how AHHHH ya? That's my accent, bro! Seriously, choosing the right plan is an important thing. I made the mistake of choosing an Advantage plan out of the gate. Now, I may not be able to move over to a Supplemental Plan, due to some earlier medical issues.

[@Theretirementnerds]

In Massachusetts, you’d be able to move back 😊 do you not live in MA? Love the accent reference 😀

[@myboyjasper]

@@TheretirementnerdsYes, I still live here. I signed up for Medicare in 2023, so because of my pre-existing conditions, I will get underwritten and probably declined.

[@ph5915]

Hmm, it's curious to me how a couple of states like MA and MN came about with a different system for their Medicare Plans rather than the typical, G, N, G-HD, etc. I'm not saying it's right or wrong, I just wonder why? I don't think I have any particular accent, but, interesting story, My grandfather on my mother's side was born in like 1895 in Russia. After. the Bolshevik Revolution, the family had lost everything and they high tailed it to Germany and built up again...And, well, that didn't work out so well of course. In 1956. they emigrated to the US in the Chicagoland area when ,u mom was 13 and my uncle was 3. They retired and moved to Sarasota, FL (a large German community) but had an odd accent, it was kind of a mix between Russian and German, they never learned English. My uncle stayed with them and that was good because only he and my mom could translate for them. We would visit when I was a kid and I never understood anything they ever said to me, unfortunately. They lived through a heck of a lot, would have been good to hear their stories.

[@Theretirementnerds]

That is an amazing story! Did you know I lived in Russia for a couple years?

[@ph5915]

@@Theretirementnerds I did not know that! Whereabouts?

[@Theretirementnerds]

@@ph5915 South West part. Volgograd, Rostov-na-Donu, Krasnodar, Stavropol. Spent a little time in several other cities down in those areas like Sochi (where the Olympics were).

[@ph5915]

@@Theretirementnerds Oh wow!

[@johnfeole1971]

I speak Bawston..lol, and know how to pahk the cahr.. 😀

[@HappyOne3]

Bawston sounds Brooklyn to me. I always thought it was more like Bahston. Or is that a Chicago accent?

[@johnfeole1971]

@@HappyOne3 we can get cawfee and tahk about it 😉

[@Theretirementnerds]

Haha! Love it!! There was a commercial with famous actors... might have been a super bowl commercial? So funny.

[@buckwildz]

This guy is wicked smaht.

[@Theretirementnerds]

Haha! Thank you so much for making it to the end!

[@eduardooramaeddie4006]

Accent voice

[@Theretirementnerds]

Thank you, Eddie!